North Georgia Gal's Financial Awakening

Trying to Make Smarter Decisions Day by Day

Where to Begin...it is hard to believe that it has been 9 years since I started this Blog. You guys have always been here supporting me and cheering me on.

I am in the process of refinancing my LOC into a mortgage, rolling my credit card debt into it. Will probably then close all of my credit cards after that.

I still have my budget in place for a couple of months out, but I still have to make changes to it.

I hope to sell my house in about 6 months, and move closer to my kids, about an hour away. I will still commute to work because it would only be about 40 minutes. But this can't happen until my responsibility to my mom is done, she is close to moving in with my niece, but who knows when that will happen.

Mortgage is Current!!!

February 20th, 2009 at 06:36 am

I received my tax refund this today. I made Jan and Feb mortgage payments already today. YEAH!!!

My DH also gave me some money. Since I don't depend on his money, everything he gives me can be put directly into savings most of the time. I split it between household maint, Christmas fund and vacation fund. He also paid for another load of firewood, so we should be set on firewood for the rest of the season and some of next! YEAH!!

I have almost $400 in my various savings accounts. That is the most I have ever had saved! It feels so good! I just keep looking at my balance. Can't stop! Plus, there is $250 sitting in the account that I have paid my sister that she hasn't taken out yet. So on paper, I look like I Have $250 more than I actually do!

We are going to the circus Sat night. they are calling for snow flurries where I live...should make for an interesting drive home as we won't be getting home until late. I have budgeted $150 for the circus. Think I might just take cash with me and when it is gone, it is gone. But I hate the idea of not having any access to any other cash in case of emergency. I could take the debit card, and leave it in the glove box...that way if I get the urge, I have to walk back out to the car. That might work.

I have been getting lots of questions about the item I have listed on ebay. It has 1 more day. Hopefully it will sell. That would put me close to the $100 challenge for the month.

9 Responses to “Mortgage is Current!!!”

Congratulations! It looks like you've been making great progress this year. I think it makes sense to have something in case of emergency, as long as running out of cash too early in the evening isn't considered an "emergency"! Have fun!!

Merch...yes and no on the stress... I am naturally a stressed person(trying to get over that). But now instead of the stress of the power bill, etc. I have stress of not putting money into savings like I want. So it is a dfferent kind of stress, and definately a more pleasant stress, if there is such a thing!